PAN-Nordic Card Association Visa Sweden/Europay Sweden SBTA Höstforum2014 • PNC – Nordic Card association for issuing and acquiring PI (Payment Institutions) in Scandinavia. • Visa Sweden/Europay Sweden – Swedish associations for Visa and/or MasterCard issuing or acquiring PI in Sweden (both members of PNC) • Provides services on commercial conditions – not a utility PAN-Nordic Card Association Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79 e-mail [email protected] homepage www.pan-nordic.org >80 % Card payments Antal kortköp i Sverige (miljoner st) Andel av värde Kortköp och ATM uttag 2 000 1 800 100% 1 600 90% 1 400 80% 1 200 1 000 70% Bankkort 60% 50% 800 600 Kreditkort 40% 400 30% 200 20% 0 10% 0% Källa: Riksbanken PAN-Nordic Card Association Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79 e-mail [email protected] homepage www.pan-nordic.org Fyrpartsmodellen Betalningsgaranti Kortutgivare 30 st Kortinlösare 10 st Betalare 9 miljoner st Betalningsmottagare 0,2 miljoner st PAN-Nordic Card Association Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79 e-mail [email protected] homepage www.pan-nordic.org The EU regulation – Highlights • • • • The Draft regulation/(directive) 2013.07.23 EP compromise à2014.04.03 Council compromise à2014.11.09 Trilogies negotiations àend 2014 (regulation) (directive starts 2015.xx) • Effective: 2 months after decision/publication... (directive to be adopted within 2 years) PAN-Nordic Card Association Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79 e-mail [email protected] homepage www.pan-nordic.org The EU regulation – Highlights – relation to SBTA 1. Cap on Interchange fee - debitcard 0,20% - creditcard 0,30% - commercial card – out of scope - 3-party scheme – out of scope 2. Surcharging – only if out-of-scope 3. HACR (Honour-all-card-rule) - maintained only for regulated consumer cards - merchant to indicate PAN-Nordic Card Association Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79 e-mail [email protected] homepage www.pan-nordic.org PNC Contacts PAN Nordic Card Association Visa Sweden Förening Ek.for Föreningen Europay Sweden MD & CEO Kurt Gjesten +46 (0)40 25 0775 [email protected] Business address Skomakaregatan 6.2 SE-211 34 Malmö Telephone +46 (0)40 25 0778 Fax +46 (0)40 25 0779 E-mail [email protected] Web-site www.pan-nordic.org PAN-Nordic Card Association Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79 e-mail [email protected] homepage www.pan-nordic.org
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